It can feel impossible, but if homeownership is something you truly want, you can make it happen.

“I strongly believe that where there is a will, there is a way,” Matthews said. “Like any other goal, if you have a positive mindset and tenacity combined with extreme execution, you will accomplish your homeownership goal.”

The reason why real estate experts emphasize starting small, if you need to, is that you can start to enjoy the benefits of homeownership at any stop.

“The most obvious benefit is from the financial realm,” Matthews said. “Homeownership allows you to build equity and wealth. As you pay off your mortgage each month, you will be building equity in your home. Also, as your property increases in value, so does your equity, which allows you to sell and reap a lucrative return on your investment.”

But when you make it, don’t forget where you came from. Some people become homeowners and immediately take to rent-shaming.

“If you have the ability to keep a roof over your head, that in itself is a blessing,” Matthews said. “However, I do see rent-shaming often and it is very disheartening. I do not believe that there is anything wrong with renting as long as it is not a long-term goal. The reason I say this is because through renting it is impossible to build generational wealth and equity. Your family can’t inherit or financially benefit from your apartment lease.”

Terrica Matthews

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